WO2016191979A1 - 资金借贷交易方法和系统 - Google Patents
资金借贷交易方法和系统 Download PDFInfo
- Publication number
- WO2016191979A1 WO2016191979A1 PCT/CN2015/080396 CN2015080396W WO2016191979A1 WO 2016191979 A1 WO2016191979 A1 WO 2016191979A1 CN 2015080396 W CN2015080396 W CN 2015080396W WO 2016191979 A1 WO2016191979 A1 WO 2016191979A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- loan
- management server
- fund management
- participant
- fund
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Definitions
- the present invention belongs to the field of financial technology, and in particular, to a method and system for fund lending transactions.
- Traditional lending generally refers to a way of lending money to a debtor and collecting fixed income, mainly including bank lending and private lending.
- the debtor initiates the settlement demand, and the creditor intends to lend the debt to the debtor.
- the two parties reach a loan transaction through oral or written agreement. If the debtor repays the loan according to the agreed time limit, the creditor receives the loan principal and interest. If the debtor does not repay the loan according to the agreed time limit, The period of recovery is unlimited.
- the advantage of the traditional lending method is that there are fixed incomes.
- the repayment period is indefinitely extended, or it is not uncommon for the direct lenders to recover the loans, resulting in the proliferation of borrowing defaults.
- the lender’s funds are not guaranteed. Moreover, during the period when the funds are loaned from the creditor to the debtor, the funds are no longer owned by the creditor, and the creditor has no income during this period.
- the present invention provides a method and system for fund loan transaction to solve the technical problem that the loan fund risk in the prior art is difficult to control and the creditor's income is difficult to guarantee.
- a method for financing a loan loan includes the following steps:
- the second participation direction sends a request for the second bank management server to send the banknote certificate
- the second fund management server sets up the bank letter with the second participant account fund or the credit line as the deposit, and sends the bank letter to the first fund management server where the first party is located;
- the first fund management server issues a corresponding amount of loan funds to the first participant according to the bank letter certificate; [0010] after receiving the repayment of the first party, the first fund management server sends a repayment notice to the second fund management server;
- the second fund management server unfreezes the corresponding frozen funds of the bank letter according to the repayment amount, and allocates the loan interest and the deposit interest during the freezing of the funds in the second party account and the first fund management account according to a preset rule.
- a method for financing a loan lending transaction includes the following steps: [0013] After receiving a silver letter certificate submitted by a second party, the bank credit is used as a guarantee to the first The participants will issue the corresponding amount of loan funds;
- a fund lending transaction system comprising the following module located in the second terminal of the authentication request module, the second fund management server, the certificate processing module and the second receiving
- the loan processing module is located in the lending processing module of the first fund management server and the first loan processing module, wherein:
- the request module of the certificate is set to send a request for the banknote secured loan to the second fund management server
- the certificate processing module is configured to set up the second fund management server to hold the bank letter with the second participant account fund or the credit line as the security deposit, and send the bank letter to the first fund where the first party is located Management server;
- the loan processing module is configured to issue a loan amount corresponding to the first participant according to the silver credit card; [0019] the first loan processing module is configured to receive the repayment of the first participant, The second fund management server sends a repayment notice;
- the second loan processing module is configured to unfreeze the frozen funds corresponding to the silver credit according to the repayment amount, and allocate the loan interest and the fund freezing period in the second participant account and the first fund management account according to a preset rule. Interest on deposits.
- a fund lending transaction system for use in a fund management server, the system comprising a lending processing module and a loan processing module, wherein: [0022]
- the loan processing module is configured to, after receiving the silver credit card established by the fund management server after receiving the second party application, issue the corresponding amount of loan funds to the first participant by using the bank credit certificate as a guarantee;
- the loan processing module is configured to: if the first party receives the repayment within the preset repayment term, unfreeze the frozen funds corresponding to the bank letter, and follow the preset rules in the second participant account and The fund management account allocates loan interest and interest on deposits during the period of financial freezing.
- the method and system provided by the present invention make the fund management institution become the de facto lender by pulling the fund management institution into the lending transaction process, and the data processing is safer and faster.
- the introduction of a bank letter to guarantee the loan transaction does not affect the acquisition of deposit interest of the second party, and safeguards the interests of the second party.
- FIG. 1 is a flowchart of a method for borrowing money from a loan according to an embodiment of the present invention.
- FIG. 2 is a flowchart of another method for fund loan transaction according to an embodiment of the present invention.
- FIG. 3 is a flowchart of still another method for fund lending transactions according to an embodiment of the present invention.
- FIG. 4 is a block diagram of a fund lending transaction system according to an embodiment of the present invention.
- FIG. 5 is a block diagram of a different fund lending transaction system according to an embodiment of the present invention.
- FIG. 6 is a block diagram of a module for a fund lending transaction system according to an embodiment of the present invention.
- the first party is the borrower.
- the second participant refers to the individual or organization that intends to initiate the loan intention to the first participant, but plays a guarantee role in the actual loan transaction.
- a money management institution is a financial institution that can support capital flows and transactions, and acts as a lender in lending transactions. among them
- the bank credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second party with its account fund or credit line as a security deposit and is established by the fund management server.
- the silver letter certificate is an electronic credit certificate that the fund management institution promises to handle the settlement and payment according to the payment conditions. .
- the bank letter can be purchased not only with goods but also for mortgage guarantees.
- a money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions).
- the fund management server includes a bank server or other financial institution server; the fund management account includes a bank loan account or other financial institution loan account; and the fund management credit information system includes a PBC credit information system or other financial institution credit information system.
- a method for financing a loan loan includes the following steps:
- the second participation direction sends a request for the banknote certificate to the second fund management server.
- the second party is a person who has the intention of lending funds, and after the online or e-commerce platform responds to the loan demand of the first party, the account capital or the credit line is used as the credit.
- the guarantee applies to the fund management agency for the establishment of the electronic commitment payment certificate.
- the e-commerce platform can be an e-commerce platform for a loan bank or a third-party e-commerce platform with a business partnership.
- the second fund management server sets up the bank letter with the second participant account fund or the credit line as the deposit, and sends the bank certificate to the first fund management server where the first party is located.
- the second fund management server uses the second participant account fund or the credit line as the deposit to generate the bank credit certificate, and simultaneously freezes the account fund or the credit line of the second party in the second fund management institution.
- the bank letter issued by the second party was frozen, the funds were still in the second participant's account, but the funds were in an unusable state, but it did not affect the collection of the deposit interest of the second party during the freezing period.
- the balance of the second participant's account fund is 300,000, and 200,000 silver letters are issued to the fund management server and frozen, but the fund management server still calculates the deposit interest according to the balance of 300,000 yuan, or the fund management server.
- the interest of the second party's deposit is calculated based on the balance of 100,000 yuan, and the interest on the fund deposit during the freezing of the bank letter is calculated separately.
- the first fund management server issues a corresponding amount of loan funds to the first participant according to the silver credit certificate.
- the first party issues a loan according to the loan term attached to the bank letter, the agreed loan interest, and the like.
- the amount of the loan funds and the funds frozen in the bank letter are equal.
- the first fund management server After receiving the repayment of the first participant, the first fund management server sends a repayment notice to the second fund management server.
- the first fund management server receives the repayment of the first participant account within a predetermined repayment term, and the repayment amount includes full repayment or partial repayment, if the fund management server receives the first If the participant’s account is full of principal and all loan interest, the first party is considered to be fully repaid, and then all the bank’s funds are thawed, and the second party’s silver letter is frozen.
- the interest on deposits may also include part of the agreed interest distribution on the loan.
- the repayments received by the first participant include the following cases: Receive the full repayment of the first participant within the default repayment period, and receive the part of the first participant within the default repayment period.
- the second fund management server unfreezes the corresponding frozen funds of the bank letter according to the repayment amount, and allocates the deposit interest and the deposit interest during the fund freezing period in the second participant account and the fund management account according to the preset rule.
- the second fund management server unfreezes the partially frozen funds corresponding to the silver credit. At the same time, part of the unfrozen funds and corresponding deposit interest are automatically made available in the second participant's account, while the remaining funds of the unfrozen silver letter remain frozen.
- the foregoing method may further include:
- the loan is repaid to the first participant within the preset dunning period.
- the fund management server sends a dunning notice to the first participant, and the dunning notification may be performed in various manners, such as dialing a telephone number or a mobile phone preset by the first participant, to the first participant.
- the preset email address sends an email notification, pushes the information to the software program client registered by the first participant, sends a short message notification to the mobile number preset by the first participant, and sends a QQ message to the QQ number preset by the first participant. Or send a message to the micro-signal preset by the first participant.
- the above method may also To include: If the first party receives the repayment within the preset dunning period, the loan interest, deposit interest and late payment fee are allocated in the second participant account and the first fund management account according to a preset rule.
- the method may further include: if the first fund management server does not receive the remaining payment after exceeding the preset dunning period, to the second The fund management server sends a default notice, and synchronizes the first party's default record to the fund management credit system, and reduces the credit level of the first party; the second fund management server allocates the remaining frozen funds corresponding to the bank letter to the first A fund management account.
- the first fund management server and the second fund management server are different servers, for example, different bank servers, or different fund management servers of peers across regions.
- the first fund management server and the second fund management server are the same fund management server.
- the third party participates in the loan transaction process by using the fund management institution, and the second party participates in the bank account of the bank account of the bank account of the account, and sends the bank account to the first party account, so that the fund management institution Becoming a de facto lender, data processing is safer and faster.
- the fund management institution Becoming a de facto lender, data processing is safer and faster.
- the first fund management server and the second fund management server are used as an example for the same fund management server (hereinafter referred to as a fund management server).
- a fund lending transaction method provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:
- the first participant is a borrower, that is, a person who makes a loan request through online or offline
- the second participant is a person who holds funds and wants to lend
- the first party is offline or online and first Participants match the loan demand, and then issue a bank letter in a financial institution such as a bank.
- the bank letter is associated with the second party’s funds in the bank.
- the funds cannot be used during the loan term; the funds associated with the bank letter are issued as banks.
- the fund management server issues a loan to the first party, the amount of the loan is equal to the amount of funds frozen in the bank, and the silver is issued to the first party.
- Loans are issued on the terms of the loan period and the agreed loan interest attached to the letter of credit.
- S202 If receiving the repayment of the first participant within the preset repayment period, unfreezing the frozen funds corresponding to the silver credit card, and allocating the loan in the second participant account and the fund management account according to a preset rule. Interest on deposits during interest and fund freezes.
- the loan management server issues a loan
- the loan term and the loan interest generally agreed with the first participant and the first participant, and the distribution rule of the loan interest between the bank and the second participant
- the fund management server unfreezes the silver letter and according to the predetermined
- the rule issues deposit interest during the freezing of the bank letter to the account of the second party, and may also allocate the interest of the loan specified in the predetermined rule to the second party.
- the scheduled loan repayment period is one of the conditions attached to the bank letter certificate, or the time limit set by the fund management server according to the time limit required by the second party.
- the predetermined rule is the benefit distribution rule between the second party and the bank. For example, it may include rules such as whether the interest on the loan loan is shared with the bank, and the number of points for deposit interest during the freezing of the bank letter.
- the second participant by pulling the fund management institution into the loan transaction process, the second participant applies for the establishment of the banknote certificate to the first participant account through the fund management server where the account is located, so that the fund management institution becomes In fact, the lenders, data processing is safer and faster.
- the risk of loan funds is reduced, and the same does not affect the acquisition of deposit interest of the second party, which safeguards the interests of the second party.
- a method for loan lending transactions provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:
- step S302. Determine whether the remaining payment is received within the preset repayment period. If yes, go to step S303, otherwise go to step S305.
- S304 Allocating loan interest and deposit interest in the second participant and the fund account according to a preset rule, and The credit level of the first participant is high, and the process goes to step S311.
- the fund management server sends a dunning notice to the first participant, and the dunning notification may be performed in various manners, such as dialing a telephone number or mobile phone preset by the first participant, to the first participant.
- the preset email address sends an email notification, pushes the information to the software program client registered by the first participant, sends a short message notification to the mobile number preset by the first participant, and sends a QQ message to the QQ number preset by the first participant. Or send a message to the micro-signal preset by the first participant.
- step S306. Determine whether the remaining repayment of the first participant is received within the preset dunning period. If yes, execute step S307, otherwise step S309 is performed.
- the deposit interest during the freezing of the funds is automatically calculated in the second party account and becomes available after the frozen funds of the thawing bank letter.
- the interest on the loan is transferred to the fund management account by the same party who repaid the first party.
- the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method.
- a late payment fee for the deferred funds can also be collected for distribution.
- S310 Synchronize the default record of the first participant to the fund management credit system, and reduce the credit level of the first participant.
- the default processing and the credit management function are added, and the default cost of the first party is further increased, and the default risk is reduced.
- an embodiment of the present invention provides a fund lending transaction system, where the system includes the following module located in the authentication request module 101 of the second terminal 10, and is located in the second fund management server 20.
- the certificate requesting module 101 is configured to send a request for the banknote secured loan to the second fund management server.
- the certificate processing module 201 is configured to set up, by the second fund management server, a bank letter with a second participant account fund or a credit line as a security deposit, and send the bank letter to the first party where the first party is located Money management server.
- the loan processing module 301 is configured to issue a corresponding amount of loan funds to the first participant according to the silver credit certificate.
- the first loan collection processing module 302 is configured to send a repayment notice to the second fund management server if the repayment of the first party is received.
- the second loan collection processing module 202 is configured to unfreeze the frozen funds corresponding to the silver credit according to the repayment amount, and allocate the loan interest and the deposit interest in the second participant account and the first fund management account according to a preset rule.
- the second collection and payment processing module 202 is further configured to: if receiving the repayment of the first participant within the preset dunning period, according to the preset rule in the second participant account and the first The fund management account allocates loan interest, deposit interest, and late payment fees.
- the system further includes a first default processing module 303, a dunning module 304, and a credit management module 305 located at the first money management server, located at the second money management server.
- the second default processing module 203 located at the first money management server, located at the second money management server.
- the first default processing module 303 is configured to send a default notification to the second fund management server if the remaining payment is not received after the preset dunning period is exceeded.
- the second default processing module 203 is configured to allocate the remaining frozen funds corresponding to the silver letter to the first fund management account if the remaining payment is not received after the preset dunning period is exceeded.
- the dunning module 304 is configured to, after the first fund management server does not receive the remaining repayment within the preset repayment period, repay the loan to the first participant within the preset dunning period.
- the credit management module 305 is configured to: if the first fund management server does not receive the remaining payment after exceeding the preset dunning period, synchronize the default record of the first participant to the fund management credit system, and reduce the number The credit level of a participant.
- a fund lending transaction system provided by an embodiment of the present invention is applied to a fund management server, and the system includes a loan processing module 10 and a loan processing module 20, wherein:
- the loan processing module 10 is configured to, after receiving the silver certificate issued by the fund management server after receiving the second party application, issue the loan fund to the first participant with the silver letter as a guarantee.
- the loan collection processing module 20 is configured to: after receiving the repayment of the first participant within the preset repayment period, unfreeze the frozen funds corresponding to the silver credit card, and manage the account and the funds in the second participant according to a preset rule. The account allocates interest on the loan and deposit interest during the period of the financial freeze.
- the silver credit certificate is an electronic commitment payment certificate applied by the second party to the third fund management server and held by the third fund management server by using the account fund or the credit line as the deposit.
- the system may further include a dunning module 30 and a default processing module 40, wherein: [0094] the dunning module 30 is configured to, when the preset repayment deadline is not received, Within the default dunning period, the loan is repaid to the first party of the fund management.
- the default processing module 40 is configured to allocate the remaining frozen funds corresponding to the silver letter to the fund management account if the remaining payment is not received after the preset dunning period is exceeded.
- the present invention provides a smart financial lending transaction system, introduces a silver credit card for secured lending transactions, and makes the fund management institution a de facto lender, and the data processing is safer and faster.
- a bank letter to guarantee the loan transaction
- the risk of default can be reduced, and the same does not affect the acquisition of the deposit interest of the second party, and also the interests of the second party.
- the fund management institution shall repay the loan according to the frozen funds of the bank letter certificate, which can guarantee the security of the loan fund.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Finance (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
本发明公开了一种资金借贷交易方法和系统，属于金融技术领域，其中，该方法包括：第二资金管理服务器以第二参与方账户资金或授信额度作为保证金而开立银信证，并将银信证发送给第一参与方所在的第一资金管理服务器；第一资金管理服务器根据银信证向第一参与方发放相应额度的贷款资金；第二资金管理服务器根据还款金额解冻银信证相应的冻结资金，并按预设的规则在第二参与方账户和第一资金管理账户分配贷款利息和资金冻结期间的存款利息。采用本发明，本发明所提供的方法和系统，通过将资金管理机构拉入借贷交易过程，通过引入银信证进行担保借贷交易，降低了贷款资金风险，并且不影响第二参与方存款利息的获取，维护了第二参与方的利益。
Description
说明书 发明名称：资金借贷交易方法和系统 技术领域
[0001] 本发明属于金融技术领域， 尤其涉及一种资金借贷交易方法和系统。
背景技术
[0002] 传统的借贷一般是指将资金出借给债务人而收取固定收益的一种方式， 主要包 括银行借贷和民间借贷。 由债务人发起结算需求， 债权人有意向贷款给债务人 吋， 双方通过口头或者书面约定达成借贷交易， 如果债务人按约定期限还款， 债权人收到贷款本金和利息， 如果债务人不按约定期限还款， 其追款期限无限 延长。 传统借贷方式的优点在于有固定的收益， 但由于缺乏资金担保和监管机 制， 尤其民间借贷活动中， 还款期限无限期延长， 或者直接贷款方难以追回贷 款的事件屡见不鲜， 造成借贷违约泛滥， 贷款方资金得不到保障。 而且， 资金 从债权人出借给债务人期间， 资金不再归债权人所有， 债权人在此期间并无任 何收益。
[0003] 由此可见， 现阶段需要一种改进的资金借贷交易方法， 以降低贷款资金风险和 提高债权人的收益， 使得借贷交易更安全。
技术问题
[0004] 有鉴于此， 本发明提供一种资金借贷交易方法和系统， 以解决现有技术中存在 的贷款资金风险难以控制和债权人的收益难以保证的技术问题。
问题的解决方案
技术解决方案
[0005] 为解决上述技术问题， 本发明是这样实现的：
[0006] 根据本发明的一个方面， 提供一种资金借贷交易方法包括以下步骤：
[0007] 第二参与方向第二资金管理服务器发送幵立银信证的请求；
[0008] 第二资金管理服务器以第二参与方账户资金或授信额度作为保证金而幵立银信 证， 并将银信证发送给第一参与方所在的第一资金管理服务器；
[0009] 第一资金管理服务器根据银信证向第一参与方发放相应额度的贷款资金；
[0010] 第一资金管理服务器收到第一参与方的还款后， 向第二资金管理服务器发送还 款通知；
[0011] 第二资金管理服务器根据还款金额解冻银信证相应的冻结资金,并按预设的规 则在第二参与方账户和第一资金管理账户分配贷款利息和资金冻结期间的存款 利息。
[0012] 根据本发明的另一个方面， 提供的 一种资金借贷交易方法包括以下步骤： [0013] 接收到第二参与方申请幵立的银信证后， 以银信证为担保向第一参与方发放相 应额度的贷款资金；
[0014] 如果收到第一参与方在预设还贷期限内的还款， 解冻银信证对应的冻结资金， 并按预设的规则在第二参与方账户和资金管理账户分配贷款利息和资金冻结期 间的存款利息。
[0015] 根据本发明的再一个方面， 提供的一种资金借贷交易系统， 该系统包括以下模 块位于第二终端的幵证请求模块， 位于第二资金管理服务器的幵证处理模块和 第二收贷处理模块， 位于第一资金管理服务器的放贷处理模块和第一收贷处理 模块， 其中：
[0016] 幵证请求模块， 设置为向第二资金管理服务器发送幵立银信证担保贷款的请求
[0017] 幵证处理模块， 设置为第二资金管理服务器以第二参与方账户资金或授信额度 作为保证金而幵立银信证， 并将银信证发送给第一参与方所在的第一资金管理 服务器；
[0018] 放贷处理模块， 设置为根据银信证向第一参与方发放相应额度的贷款资金； [0019] 第一收贷处理模块， 设置为收到第一参与方的还款后， 向第二资金管理服务器 发送还款通知；
[0020] 第二收贷处理模块， 设置为根据还款金额解冻银信证对应的冻结资金， 并按预 设的规则在第二参与方账户和第一资金管理账户分配贷款利息和资金冻结期间 的存款利息。
[0021] 根据本发明的又一个方面， 提供的 一种资金借贷交易系统， 应用于资金管理 服务器， 该系统包括放贷处理模和收贷处理模块， 其中：
[0022] 放贷处理模块， 设置为接收到第二参与方申请而由资金管理服务器幵立的银信 证后， 以银信证为担保向第一参与方发放相应额度的贷款资金；
[0023] 收贷处理模块， 设置为如果收到第一参与方在预设还贷期限内的还款， 解冻银 信证对应的冻结资金， 并按预设的规则在第二参与方账户和资金管理账户分配 贷款利息和资金冻结期间的存款利息。
发明的有益效果
有益效果
[0024] 本发明所提供的方法和系统， 通过将资金管理机构拉入借贷交易过程， 使得资 金管理机构成为事实上的贷款方， 数据处理更为安全、 快捷。 通过引入银信证 进行担保借贷交易， 不影响第二参与方存款利息的获取， 维护了第二参与方的 利益。
对附图的简要说明
附图说明
[0025] 图 1为本发明实施例提供的一种资金借贷交易方法的流程图。
[0026] 图 2为本发明实施例提供的另一种资金借贷交易方法的流程图。
[0027] 图 3为本发明实施例提供的又一种资金借贷交易方法的流程图。
[0028] 图 4为本发明实施例提供的一种资金借贷交易系统的模块结构图。
[0029] 图 5为本发明实施例提供的一另种资金借贷交易系统的模块结构图。
[0030] 图 6为本发明实施例提供的一又种资金借贷交易系统的模块结构图。
本发明的实施方式
[0031] 为了使本发明所要解决的技术问题、 技术方案及有益效果更加清楚、 明白， 以 下结合附图和实施例， 对本发明进行进一步详细说明。 应当理解， 此处所描述 的具体实施例仅仅用以解释本发明， 并不用于限定本发明。
[0032] 在本发明中， 第一参与方是借款方。 第二参与方是指有意向第一参与方发起贷 款意向的个人或组织， 但在实际借贷交易中起到了担保作用。 资金管理机构是 指能支持资金流动和交易的金融机构， 在借贷交易中起到贷款方的作用。 其中
， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管理服 务器申请并由资金管理服务器幵立的电子承诺支付凭证。 银信证是资金管理机 构承诺依照解付条件办理收付结算的电子信用凭证。 。 银信证不仅可以用商品 购买， 也可用于抵押担保。 资金管理机构是指能支持资金流动的机构， 包括但 不限于银行和其他金融机构 （如证券机构） 。 相应地， 资金管理服务器包括银 行服务器或者其他金融机构服务器； 资金管理账户包括银行贷款账户或者其他 金融机构贷款账户； 资金管理征信系统包括人民银行征信系统或其他金融机构 征信系统。
[0033] 实施例一
[0034] 如图 1所示， 本发明实施例提供的一种资金借贷交易方法包括以下步骤：
[0035] S101、 第二参与方向第二资金管理服务器发送幵立银信证的请求。
[0036] 具体地， 第二参与方是持有资金有放贷意向的人， 其通过线下或电商平台线上 响应第一参与方借款需求达成协议后， 以其账户资金或授信额度为信用担保向 资金管理机构申请幵立电子承诺支付凭证。 电子商务平台可以为贷款银行的电 子商务平台， 也可以为具有业务合作关系的第三方电子商务平台。
[0037] S102、 第二资金管理服务器以第二参与方账户资金或授信额度作为保证金而幵 立银信证， 并将银信证发送给第一参与方所在的第一资金管理服务器。
[0038] 具体地， 第二资金管理服务器以第二参与方账户资金或授信额度作为保证金生 成银信证， 同吋冻结第二参与方在第二资金管理机构的账户资金或授信额度。 第二参与方所幵立的银信证虽然被冻结， 但资金仍然在第二参与方帐户内， 只 是资金处于不可利用的状态， 但也不影响冻结期间第二参与方存款利息的收取 。 比如说， 第二参与方账户资金余额为 30万， 向资金管理服务器幵具了 20万的 银信证并被冻结， 但资金管理服务器仍然按 30万的资金余额计算存款利息， 或 者资金管理服务器按 10万的资金余额计算第二参与方存款利息， 并单独计算银 信证冻结期间的资金存款利息。
[0039] S103、 第一资金管理服务器根据银信证向第一参与方发放相应额度的贷款资金
[0040] 具体地， 第一参与方按照银信证所附的贷款期限、 约定贷款利息等条件发放贷
款， 其中， 贷款资金的额度与银信证关联冻结的资金是等额的。
[0041] S104、 第一资金管理服务器收到第一参与方的还款后， 向第二资金管理服务器 发送还款通知。
[0042] 具体地， 第一资金管理服务器在预定的还贷期限内收到第一参与方账户的还款 ， 还款金额包含全额还款或者部分还款， 如果资金管理服务器收到第一参与方 账户发来的是全额的本金以及全部的贷款利息， 则认为第一参与方全额还款， 此吋解冻全部银信证资金， 并为第二参与方分配银信证冻结期间的存款利息， 还可包含部分约定的贷款利息分配。 收到第一参与方的还款包括以下几种情况 ： 收到第一参与方在预设还贷期限内的全额还款、 收到第一参与方在预设还贷 期限内的部分还款、 收到第一参与方在预设还贷期限内的剩余还款、 收到第一 参与方在预设的催款期限内的全额还款、 收到第一参与方在预设的催款期限内 的部分还款， 解冻银信证对应的部分冻结资金或者收到第一参与方在预设的催 款期限内的剩余还款。
[0043] S105、 第二资金管理服务器根据还款金额解冻银信证相应的冻结资金， 并按预 设的规则在第二参与方账户和资金管理账户分配贷款利息和资金冻结期间的存 款利息。
[0044] 具体地， 第二资金管理服务器解冻银信证对应的部分冻结资金。 与此同吋， 解 冻的部分资金和相应的存款利息在第二参与方账户自动变为可利用状态,而未解 冻的银信证剩余资金仍然保持冻结状态。
[0045] 作为一种优选实施例， 为了向第一参与方催款， 上述方法还可以包括：
[0046] 当第一资金管理服务器超过预设还贷期限未收到剩余还款后， 在预设催款期限 内向第一参与方催还贷款。
[0047] 具体地， 资金管理服务器向第一参与方发出催款通知， 催款通知可以以多种方 式进行， 例如拨号通知第一参与方预设的电话号码或移动电话、 向第一参与方 预设的电子邮箱发送邮件通知、 向第一参与方注册的软件程序客户端推送信息 、 向第一参与方预设的移动号码发送短信通知、 向第一参与方预设的 QQ号码发 送 QQ消息、 或向第一参与方预设的微信号发送消息。
[0048] 作为另一种优选实施例， 为了提高第一参与方延期还款的成本， 上述方法还可
以包括： 如果收到第一参与方在预设的催款期限内的还款， 按预设的规则在第 二参与方账户和第一资金管理账户分配贷款利息、 存款利息和滞纳金。
[0049] 作为再一种优选实施例， 为了提高第一参与方违约成本， 上述方法还可以包括 ： 如果第一资金管理服务器超过预设的催款期限后未收到剩余还款， 向第二资 金管理服务器发送违约通知， 并将第一参与方的违约记录同步到资金管理征信 系统， 并降低第一参与方的信用级别； 第二资金管理服务器划拨银信证对应的 剩余冻结资金到第一资金管理账户。
[0050] 本实施例中， 第一资金管理服务器与第二资金管理服务器为不同服务器， 例如 不同银行服务器， 或者同行跨地域的不同资金管理服务器。 当然， 在第二参与 方的资金所在账户与贷款银行为同一银行吋， 第一资金管理服务器与第二资金 管理服务器为同一资金管理服务器。
[0051] 本发明实施例的方法， 通过将资金管理机构拉入借贷交易过程， 第二参与方通 过自己账户所在资金管理服务器申请幵立银信证发送给第一参与方账户， 使得 资金管理机构成为事实上的贷款方， 数据处理更为安全、 快捷。 通过引入银信 证进行担保借贷交易， 降低了贷款资金风险， 同吋不影响第二参与方存款利息 的获取， 维护了第二参与方的利益。
[0052] 实施例二
[0053] 本发明实施例以第一资金管理服务器和第二资金管理服务器为同一个资金管理 服务器 （下称资金管理服务器） 为例进行说明。 本发明实施例提供的一种资金 借贷交易方法， 应用于资金管理服务器， 该方法包括以下步骤：
[0054] S201、 接收到第二参与方申请并由资金管理服务器幵立的银信证后， 以银信证 为担保向第一参与方发放贷款资金。
[0055] 具体地， 第一参与方为借款人， 即通过线上或线下发出借款请求的人， 第二参 与方为持有资金希望放贷的人， 其通过线下或线上与第一参与方匹配借贷需求 ， 然后在银行等金融机构幵出银信证， 银信证关联第二参与方在银行的资金， 资金在贷款期限内不能被使用； 银信证所关联的资金作为银行发放贷款的担保 ， 以降低银行的贷款风险。 资金管理服务器在获得银信证担保后， 向第一参与 方发出贷款， 贷款金额与银信证关联冻结的资金等额， 并向第一参与方按照银
信证所附的贷款期限、 约定贷款利息等条件发放贷款。
[0056] S202、 如果收到第一参与方在预设还贷期限内的还款， 解冻银信证对应的冻结 资金， 并按预设的规则在第二参与方账户和资金管理账户分配贷款利息和资金 冻结期间的存款利息。
[0057] 具体地， 资金管理服务器在发出贷款后， 一般与第一参与方和第一参与方达成 一致的贷款期限以及贷款利息， 以及贷款利息的在银行和第二参与方之间的分 配规则， 如果资金管理服务器在预定的还款期限内收到第一参与方发来的还款 资金， 还款资金需包含所有本金及贷款利息， 则资金管理服务器解冻银信证， 并按照预定的规则向第二参与方的账户发放银信证冻结期间的存款利息， 还可 以为第二参与方分配预定规则规定的贷款利息。 预定还贷期限为银信证所附条 件之一， 或者根据第二参与方要求的期限在资金管理服务器设置的期限条件。 预定的规则为第二参与方与银行之间达成的利益分配规则， 例如可以包含对贷 款所得贷款利息是否与银行进行比例分享、 对银信证冻结期间存款利息的收取 点数等相关的规则。
[0058] 本发明实施例中， 通过将资金管理机构拉入借贷交易过程， 第二参与方通过自 己账户所在资金管理服务器申请幵立银信证发送给第一参与方账户， 使得资金 管理机构成为事实上的贷款方， 数据处理更为安全、 快捷。 通过引入银信证进 行担保借贷交易， 降低了贷款资金风险， 同吋不影响第二参与方存款利息的获 取， 维护了第二参与方的利益。
[0059] 实施例三
[0060] 如图 3所示， 本发明实施例提供的一种资金借贷交易方法， 应用于资金管理服 务器， 该方法包括以下步骤：
[0061] S301、 接收到第二参与方申请幵立的银信证后， 以银信证为担保向第一参与方 发放贷款资金。
[0062] S302、 判断是否在预设还贷期限内收到剩余还款， 如果是， 执行步骤 S303， 否 则执行步骤 S305。
[0063] S303、 解冻银信证对应的冻结金额。
[0064] S304、 按预设的规则在第二参与方和资金账户分配贷款利息和存款利息， 并提
高第一参与方的信用级别， 转至步骤 S311。
[0065] S305、 在预设的催缴期限内向第一参与方催款贷款。
[0066] 具体地， 资金管理服务器向第一参与方发出催款通知， 催款通知可以以多种方 式进行， 例如拨号通知第一参与方预设的电话号码或移动电话、 向第一参与方 预设的电子邮箱发送邮件通知、 向第一参与方注册的软件程序客户端推送信息 、 向第一参与方预设的移动号码发送短信通知、 向第一参与方预设的 QQ号码发 送 QQ消息、 或向第一参与方预设的微信号发送消息。
[0067] S306、 判断是否在预设的催款期限内收到第一参与方的剩余还款， 如果是执行 步骤 S307， 否则执行步骤 S309。
[0068] S307、 解冻银信证对应的剩余冻结资金。
[0069] S308、 按预设的规则在第二参与方账户和第二资金管理服务器账户分配贷款利 息、 存款利息和滞纳金， 转至步骤 S311。
[0070] 具体地， 由于银信证的特点， 资金冻结期间的存款利息在解冻银信证的冻结资 金吋自动计算在第二参与方帐户内并变为可用状态的。 而贷款利息则由第一参 与方还款的同吋转账到资金管理账户的。 当然， 第二参与方和资金管理机构也 完全可以另行约定贷款利益分配方式， 按照约定的方式进行再分配。 当延期还 款吋， 还可以收取延期资金的滞纳金进行分配。
[0071] S309、 划拨银信证对应的剩余冻结资金到资金管理服务器账户。
[0072] S310、 将第一参与方的违约记录同步到资金管理征信系统， 并降低第一参与方 的信用级别。
[0073] S311、 结束流程。
[0074] 本发明实施例， 在实施例二的基础上， 增加违约处理和信用管理功能， 进一步 提高第一参与方的违约成本， 降低违约风险。
[0075] 实施例四
[0076] 如图 4所示， 本发明实施例提供了一种资金借贷交易系统， 该系统包括以下模 块位于第二终端 10的幵证请求模块 101， 位于第二资金管理服务器 20的幵证处理 模块 201和第二收贷处理模块 202， 以及位于第一资金管理服务器 30的放贷处理 模块 301和第一收贷处理模块 302。
[0077] 幵证请求模块 101， 设置为向第二资金管理服务器发送幵立银信证担保贷款的 请求。
[0078] 幵证处理模块 201， 设置为第二资金管理服务器以第二参与方账户资金或授信 额度作为保证金而幵立银信证， 并将银信证发送给第一参与方所在的第一资金 管理服务器。
[0079] 放贷处理模块 301， 设置为根据银信证向第一参与方发放相应额度的贷款资金
[0080] 第一收贷处理模块 302， 设置为如果收到第一参与方的还款， 向第二资金管理 服务器发送还款通知。
[0081] 第二收贷处理模块 202， 设置为根据还款金额解冻银信证对应的冻结资金， 按 预设的规则在第二参与方账户和第一资金管理账户分配贷款利息和存款利息。
[0082] 优选地， 第二收贷处理模块 202， 还设置为如果收到第一参与方在预设的催款 期限内的还款， 按预设的规则在第二参与方账户和第一资金管理账户分配贷款 利息、 存款利息以及滞纳金。
[0083] 请参阅图 5， 作为一种优选的方案， 上述系统还包括位于第一资金管理服务器 的第一违约处理模块 303、 催款模块 304和信用管理模块 305， 位于第二资金管理 服务器的第二违约处理模块 203。
[0084] 第一违约处理模块 303， 设置为如果超过预设的催款期限后未收到剩余还款， 向第二资金管理服务器发送违约通知。
[0085] 第二违约处理模块 203， 设置为如果超过预设的催款期限后未收到剩余还款， 划拨银信证对应的剩余冻结资金到第一资金管理账户。
[0086] 催款模块 304， 设置为当第一资金管理服务器超过预设还贷期限未收到剩余还 款后， 在预设催款期限内， 向第一参与方催还贷款。
[0087] 信用管理模块 305， 设置为如果第一资金管理服务器超过预设的催款期限后未 收到剩余还款， 将第一参与方的违约记录同步到资金管理征信系统， 并降低第 一参与方的信用级别。
[0088] 需要说明的是， 上述方法实施例一中的技术特征在本装置均对应适用， 这里不 再重述。
[0089] 实施例五
[0090] 如图 6所示， 本发明实施例提供的一种资金借贷交易系统， 应用于资金管理服 务器， 该系统包括放贷处理模 10和收贷处理模块 20， 其中：
[0091] 放贷处理模块 10， 设置为接收到第二参与方申请而由资金管理服务器幵立的银 信证后， 以银信证为担保向所述第一参与方发放贷款资金。 收贷处理模块 20， 设置为收到第一参与方在预设还贷期限内的还款后， 解冻银信证对应的冻结资 金， 并按预设的规则在第二参与方账户和资金管理账户分配贷款利息和资金冻 结期间的存款利息。
[0092] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向第三资 金管理服务器申请并由第三资金管理服务器幵立的电子承诺支付凭证。
[0093] 在某些实施例中， 该系统还可以包括催款模块 30和违约处理模块 40， 其中： [0094] 催款模块 30， 设置为当超过预设还贷期限未收到后， 在预设催款期限内， 向资 金管理第一参与方催还贷款。
[0095] 违约处理模块 40， 设置为如果超过预设的催款期限后未收到剩余还款， 划拨银 信证对应的剩余冻结资金到资金管理账户，
[0096] 需要说明的是， 上述方法实施例三中的技术特征在本装置均对应适用， 这里不 再重述。
[0097] 本领域普通技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以 通过程序来控制相关的硬件完成， 所述的程序可以在存储于一计算机可读取存 储介质中， 所述的存储介质， 如 ROM/RAM、 磁盘、 光盘等。
[0098] 以上参照附图说明了本发明的优选实施例， 并非因此局限本发明的权利范围。
本领域技术人员不脱离本发明的范围和实质内所作的任何修改、 等同替换和改 进， 均应在本发明的权利范围之内。
工业实用性
[0099] 在此处键入工业实用性描述段落。 本发明通过提供一种智能金融借贷交易系统 ， 引入银信证进行担保借贷交易， 使得资金管理机构成为事实上的贷款方， 数 据处理更为安全、 快捷。 通过引入银信证进行担保借贷交易， 能降低违约风险 ， 同吋不影响第二参与方存款利息的获取， 也维护了第二参与方的利益。 而在
第一参与方违约的情况， 资金管理机构依据银信证的冻结资金进行还贷， 能保 证贷款资金的安全性。
Claims
[权利要求 1] 一种资金借贷交易方法， 该方法包括以下步骤：
第二参与方向第二资金管理服务器发送幵立银信证的请求； 第二资金管理服务器以第二参与方账户资金或授信额度作为保证金而 幵立银信证， 并将所述银信证发送给第一参与方所在的第一资金管理 服务器；
所述第一资金管理服务器根据所述银信证向第一参与方发放相应额度 的贷款资金；
第一资金管理服务器收到所述第一参与方的还款后， 向所述第二资金 管理服务器发送还款通知；
所述第二资金管理服务器根据还款金额解冻所述银信证相应的冻结资 金,并按预设的规则在第二参与方账户和第一资金管理账户分配贷款 利息和资金冻结期间的存款利息。
[权利要求 2] 根据权利要求 1所述的资金借贷交易方法， 其中： 所述第一资金管理 服务器收到的所述第一参与方的还款包括：
第一参与方在预设还贷期限内的全额还款、 所述第一参与方在预设还 贷期限内的部分还款、 所述第一参与方在预设还贷期限内的剩余还款 、 所述第一参与方在预设的催款期限内的全额还款、 所述第一参与方 在预设的催款期限内的部分还款、 和 /或所述第一参与方在预设的催 款期限内的剩余还款； 其中， 所述全额还款的金额包括贷款资金和贷 款利息， 所述部分还款的金额为全部贷款利息与部分贷款资金之和； 所述按预设的规则在第二参与方账户和第一资金管理账户分配贷款利 息和资金冻结期间的存款利息进一步包括： 第一资金管理账户获得贷 款利息， 第二参与方账户获得资金冻结期间的存款利息。
[权利要求 3] 根据权利要求 1所述的资金借贷交易方法， 其中， 该方法还包括： 当所述第一资金管理服务器超过预设还贷期限未收到剩余还款后， 在 预设催款期限内向所述第一参与方催还贷款。
[权利要求 4] 根据权利要求 1所述的资金借贷交易方法， 其中， 该方法还包括：
如果收到所述第一参与方在预设的催款期限内的还款， 按预设的规则 在所述第二参与方账户和所述第一资金管理账户分配贷款利息、 存款 利息和滞纳金。
[权利要求 5] 根据权利要求 1-4任意一项所述的资金借贷交易方法， 其中， 该方法 还包括：
如果第一资金管理服务器超过预设的催款期限后未收到剩余还款， 向 所述第二资金管理服务器发送违约通知， 并将第一参与方的违约记录 同步到资金管理征信系统， 并降低所述第一参与方的信用级别； 所述第二资金管理服务器划拨所述银信证对应的剩余冻结资金到第一 资金管理账户。
[权利要求 6] 根据权利要求 5所述的资金借贷交易方法， 其中， 所述第一资金管理 服务器和所述第二资金管理服务器为同一资金管理服务器或者不同的 资金管理服务器。
[权利要求 7] —种资金借贷交易方法， 应用于资金管理服务器， 该方法包括以下步 骤：
接收到第二参与方申请而由资金管理服务器幵立的银信证后， 以所述 银信证为担保向所述第一参与方发放相应额度的贷款资金； 收到所述第一参与方在预设还贷期限内的还款后， 解冻所述银信证对 应的冻结资金， 并按预设的规则在第二参与方账户和资金管理账户分 配贷款利息和资金冻结期间的存款利息。
[权利要求 8] —种资金借贷交易系统， 该系统包括以下模块位于第二终端的幵证请 求模块， 位于第二资金管理服务器的幵证处理模块和第二收贷处理模 块， 位于第一资金管理服务器的放贷处理模块和第一收贷处理模块， 其中：
所述幵证请求模块， 设置为向第二资金管理服务器发送幵立银信证担 保贷款的请求；
所述幵证处理模块， 设置为第二资金管理服务器以第二参与方账户资 金或授信额度作为保证金而幵立银信证， 并将所述银信证发送给第一
参与方所在的第一资金管理服务器；
所述放贷处理模块， 设置为根据所述银信证向第一参与方发放相应额 度的贷款资金；
所述第一收贷处理模块， 设置为收到所述第一参与方的还款后， 向所 述第二资金管理服务器发送还款通知； 所述第二收贷处理模块， 设置为根据还款金额解冻所述银信证对应的 冻结资金， 并按预设的规则在第二参与方账户和第一资金管理账户分 配贷款利息和资金冻结期间的存款利息。
[权利要求 9] 根据权利要求 8所述的资金借贷交易系统， 该系统还包括：
所述第一违约处理模块， 设置为如果超过预设的催款期限后未收到剩 余还款， 向所述第二资金管理服务器发送违约通知；
所述第二违约处理模块， 设置为如果超过预设的催款期限后未收到剩 余还款， 划拨所述银信证对应的剩余冻结资金到第一资金管理账户。
[权利要求 10] —种资金借贷交易系统， 应用于资金管理服务器， 该系统包括放贷处 理模和收贷处理模块， 其中：
放贷处理模块， 设置为接收到第二参与方申请而由资金管理服务器幵 立的银信证后， 以所述银信证为担保向所述第一参与方发放相应额度 的贷款资金；
收贷处理模块， 设置为收到所述第一参与方在预设还贷期限内的还款 后， 解冻所述银信证对应的冻结资金， 并按预设的规则在第二参与方 账户和资金管理账户分配贷款利息和资金冻结期间的存款利息。
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/080396 WO2016191979A1 (zh) | 2015-05-29 | 2015-05-29 | 资金借贷交易方法和系统 |
| CA2987301A CA2987301C (en) | 2015-05-29 | 2015-05-29 | Funds lending transaction method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/080396 WO2016191979A1 (zh) | 2015-05-29 | 2015-05-29 | 资金借贷交易方法和系统 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2016191979A1 true WO2016191979A1 (zh) | 2016-12-08 |
Family
ID=57439761
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/CN2015/080396 WO2016191979A1 (zh) | 2015-05-29 | 2015-05-29 | 资金借贷交易方法和系统 |
Country Status (2)
| Country | Link |
|---|---|
| CA (1) | CA2987301C (zh) |
| WO (1) | WO2016191979A1 (zh) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110796538A (zh) * | 2019-10-28 | 2020-02-14 | 深圳前海微众银行股份有限公司 | 借贷服务数据的处理方法、装置、终端设备及存储介质 |
| CN111461869A (zh) * | 2020-04-01 | 2020-07-28 | 江苏德绅智股权投资有限公司 | 一种基于区块链的融资核验方法 |
| US11663660B1 (en) * | 2015-12-07 | 2023-05-30 | Wells Fargo Bank, N.A. | Information display and decision making |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102903056A (zh) * | 2011-07-27 | 2013-01-30 | 刘金衢 | 一种基于电子商务平台的借贷担保方法及系统 |
| CN103996139A (zh) * | 2013-02-20 | 2014-08-20 | 深圳市亿商屋广告传媒有限公司 | 一种诚信自担保平台网站服务器、系统及方法 |
| CN104899782A (zh) * | 2015-05-29 | 2015-09-09 | 深圳市银信网银科技有限公司 | 资金借贷交易方法和系统 |
-
2015
- 2015-05-29 CA CA2987301A patent/CA2987301C/en active Active
- 2015-05-29 WO PCT/CN2015/080396 patent/WO2016191979A1/zh active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102903056A (zh) * | 2011-07-27 | 2013-01-30 | 刘金衢 | 一种基于电子商务平台的借贷担保方法及系统 |
| CN103996139A (zh) * | 2013-02-20 | 2014-08-20 | 深圳市亿商屋广告传媒有限公司 | 一种诚信自担保平台网站服务器、系统及方法 |
| CN104899782A (zh) * | 2015-05-29 | 2015-09-09 | 深圳市银信网银科技有限公司 | 资金借贷交易方法和系统 |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11663660B1 (en) * | 2015-12-07 | 2023-05-30 | Wells Fargo Bank, N.A. | Information display and decision making |
| CN110796538A (zh) * | 2019-10-28 | 2020-02-14 | 深圳前海微众银行股份有限公司 | 借贷服务数据的处理方法、装置、终端设备及存储介质 |
| CN111461869A (zh) * | 2020-04-01 | 2020-07-28 | 江苏德绅智股权投资有限公司 | 一种基于区块链的融资核验方法 |
Also Published As
| Publication number | Publication date |
|---|---|
| CA2987301C (en) | 2023-02-07 |
| CA2987301A1 (en) | 2016-12-08 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| JP7428765B2 (ja) | ブロックチェーン上のセキュアなピアツーピア通信の方法 | |
| US20220366491A1 (en) | Incrementally perfected digital asset collateral wallet | |
| US20190114706A1 (en) | Blockchain oracle for managing loans collateralized by digital assets | |
| US9773237B2 (en) | Synchronous split payment transaction management | |
| WO2021098250A1 (zh) | 基于资产数字化凭证的流转支付清算方法及装置和介质 | |
| CA2987465C (en) | Repayment processing method and system | |
| WO2016191979A1 (zh) | 资金借贷交易方法和系统 | |
| CN104899780A (zh) | 借贷方法和借贷系统 | |
| WO2016191982A1 (zh) | 还贷处理方法和系统 | |
| CN104966233A (zh) | 线上借贷方法、数据交互处理方法、装置及系统 | |
| WO2016191978A1 (zh) | 资金借贷交易方法和系统 | |
| US20110307373A1 (en) | System and method for Internet based peer-to-peer banking | |
| WO2016191971A1 (zh) | 还贷处理方法和系统 | |
| WO2016191970A1 (zh) | 借贷方法和借贷系统 | |
| CA2987303C (en) | Repayment processing method and system | |
| KR20130089963A (ko) | 에스크로 제도를 이용한 인터넷 부동산 담보 대출 시스템 및 방법 | |
| WO2016191973A1 (zh) | 借贷方法和借贷系统 | |
| WO2016191981A1 (zh) | 还贷处理方法和系统 | |
| WO2016191920A1 (zh) | 还贷处理方法和系统 | |
| US20140330693A1 (en) | Systems and methods for auctioning asset backed securities | |
| CA2987299C (en) | Lending methods and lending systems | |
| CN105096194A (zh) | 还贷方法、数据交互处理方法、终端以及系统 | |
| TWM595286U (zh) | 債權出讓媒合平台 | |
| KR20200006274A (ko) | 블록 체인을 이용한 가상화폐 유동성 담보 처리방법 | |
| KR20200006237A (ko) | 블록 체인을 이용한 가상화폐 유동성 대여방법 |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| 121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 15893642 Country of ref document: EP Kind code of ref document: A1 |
|
| ENP | Entry into the national phase |
Ref document number: 2987301 Country of ref document: CA |
|
| NENP | Non-entry into the national phase |
Ref country code: DE |
|
| 32PN | Ep: public notification in the ep bulletin as address of the adressee cannot be established |
Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205N DATED 120418) |
|
| 122 | Ep: pct application non-entry in european phase |
Ref document number: 15893642 Country of ref document: EP Kind code of ref document: A1 |